{
  "canonical_url": "https://lendb.ai/in/tennessee/hamilton-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 6 funded USDA home loans in Hamilton County, TN in 2025, 15 loans in all, per HMDA, FFIEC/CFPB data. The most active were CMG Home Loans (7), Union Home Mortgage (2) and Highlands Residential Mortgage (2). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Hamilton County are linked below.",
  "county": {
    "fips": "47065",
    "name": "Hamilton County",
    "state": "TN"
  },
  "loan_type": "usda",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 6,
    "lenders_10": 0,
    "loans": 15,
    "qualifies": false
  },
  "lenders": [
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 7,
      "includes_brokered": false,
      "loan_officers": {
        "total": 12,
        "people": [
          {
            "nmls_id": 832864,
            "full_name": "Jennifer Bryant",
            "canonical_url": "https://lendb.ai/lo/jennifer-bryant-832864",
            "branch_city": "Chattanooga",
            "branch_state": "TN"
          },
          {
            "nmls_id": 187269,
            "full_name": "Jennifer Toomey",
            "canonical_url": "https://lendb.ai/lo/jennifer-toomey-187269",
            "branch_city": "Chattanooga",
            "branch_state": "TN"
          },
          {
            "nmls_id": 546540,
            "full_name": "Janet Hillis",
            "canonical_url": "https://lendb.ai/lo/janet-hillis-546540",
            "branch_city": "Chattanooga",
            "branch_state": "TN"
          }
        ]
      }
    },
    {
      "nmls_id": 2229,
      "name": "Union Home Mortgage",
      "slug": "union-home-mortgage-2229",
      "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
      "loans": 2,
      "includes_brokered": true,
      "loan_officers": {
        "total": 11,
        "people": [
          {
            "nmls_id": 168871,
            "full_name": "JoAnna Otero",
            "canonical_url": "https://lendb.ai/lo/joanna-otero-168871",
            "branch_city": "Ooltewah",
            "branch_state": "TN"
          },
          {
            "nmls_id": 1009959,
            "full_name": "Summer Robertson",
            "canonical_url": "https://lendb.ai/lo/summer-robertson-1009959",
            "branch_city": "Ooltewah",
            "branch_state": "TN"
          },
          {
            "nmls_id": 1139177,
            "full_name": "Shelly Winston",
            "canonical_url": "https://lendb.ai/lo/shelly-winston-1139177",
            "branch_city": "Ooltewah",
            "branch_state": "TN"
          }
        ]
      }
    },
    {
      "nmls_id": 134871,
      "name": "Highlands Residential Mortgage",
      "slug": "highlands-residential-mortgage-134871",
      "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 7,
        "people": [
          {
            "nmls_id": 150317,
            "full_name": "Don Oakes",
            "canonical_url": "https://lendb.ai/lo/don-oakes-150317",
            "branch_city": "Chattanooga",
            "branch_state": "TN"
          },
          {
            "nmls_id": 150336,
            "full_name": "Karen Sims",
            "canonical_url": "https://lendb.ai/lo/karen-sims-150336",
            "branch_city": "Chattanooga",
            "branch_state": "TN"
          },
          {
            "nmls_id": 150337,
            "full_name": "Michelle Tennyson",
            "canonical_url": "https://lendb.ai/lo/michelle-tennyson-150337",
            "branch_city": "Chattanooga",
            "branch_state": "TN"
          }
        ]
      }
    },
    {
      "nmls_id": 629700,
      "name": "First Community Mortgage",
      "slug": "first-community-mortgage-629700",
      "canonical_url": "https://lendb.ai/lender/first-community-mortgage-629700",
      "loans": 2,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2826,
      "name": "American Financial Resources, LLC",
      "slug": "american-financial-resources-llc-2826",
      "canonical_url": "https://lendb.ai/lender/american-financial-resources-llc-2826",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 34391,
      "name": "Mortgage Investors Group",
      "slug": "mortgage-investors-group-34391",
      "canonical_url": "https://lendb.ai/lender/mortgage-investors-group-34391",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    }
  ],
  "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
}